Can a debt collector threaten to refer my debt to a collection agency?

In Mississippi, a debt collector cannot threaten to refer your debt to a collection agency. This type of threat is a violation of the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from abusive, unfair, or deceptive practices by debt collection agencies. The FDCPA prohibits debt collectors from using any false, deceptive, or unlawful means to collect a debt. This includes threatening to refer a debt to a collection agency if it is not true; the debt collector must actually have the intention to refer the debt in order for this to be a legitimate statement. Furthermore, the FDCPA also prohibits debt collectors from using any false or misleading statements to collect a debt, such as threatening to take any action against a consumer that they are not legally entitled or able to take. If you believe that a debt collector is making threats to refer your debt to a collection agency in Mississippi, then you should consult with an experienced attorney who can inform you of your rights. Depending on the facts of the situation, you may be able to seek damages for any losses you incurred due to the debt collector’s illegal activities.

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Can a debt collector threaten to refer my debt to a collection agency?

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